Esfandiar Zartoshty is a financial advisor with LPL Financial, holding Series 63 and Series 65 credentials and 10 years of industry experience. He previously worked at Mass Mutual Pacific from 2017 to 2023 and Vector Insurance from 2009 to 2017. LPL Financial is an SEC-registered investment adviser and broker-dealer serving individuals, retirement plans, banks, corporations, and charitable organizations through a national network of investment adviser representatives. The firm offers a range of advisory programs, financial planning, and retirement consulting, utilizing model portfolios and research from LPL Research and third-party subadvisors.

Michael McGrath is a CFP® with 28 years of industry experience, currently serving at Wells Fargo Clearing since 2016. He previously worked at Wells Fargo Advisors LLC from 2009 to 2016. Outside of his advisory role, he acts as a trustee for a family trust. Wells Fargo Clearing provides retirement plan consulting services to qualified ERISA and non-qualified deferred compensation plans, offering both non-discretionary and discretionary investment services. The firm’s process is IPS-driven and includes a range of financial products such as insurance-related vehicles and bank deposit sweep options.

Karen Goodwin is a financial advisor with Ameriprise in Pleasanton, CA, holding Series 63 and Series 65 licenses and bringing 34 years of industry experience. She has been with Ameriprise and its affiliates since 2012. Ameriprise Financial Services is a large advisory firm serving both individual and institutional clients, offering a Premier Retirement Income service that provides written retirement-income recommendations and ongoing planning advice focused on dependable income sources and tax-aware withdrawal strategies.

Edwin Galindo is a financial advisor with Merrill in Pleasanton, CA, holding a Series 66 designation and with 7 years of industry experience. He has been with Merrill since 2002. Outside of advising, Galindo serves as a consultant for University and Student Services and is the owner and operator of a martial arts gym in Hayward, California. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations using model-based and discretionary investment strategies developed by internal and third-party managers.

Avery Tannenbaum is a financial advisor with OSAIC in San Ramon, CA, holding a Series 66 designation and one year of industry experience. His work history includes roles at OSAIC Wealth, Equitable Advisors, Ascend Financial Group, and prior experience with CMG/Diversified Mortgage Group and Seattle University. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension and profit-sharing plans, corporations, and charitable organizations. The firm offers a range of advisory and brokerage services and employs advanced asset-allocation tools and third-party managers to construct and manage portfolios.

Scott Morris is a CFP® professional with 19 years of experience in the financial services industry. He currently serves as an advisor at OSAIC and previously worked for 18 years at Lincoln Financial Advisors. In addition to his advisory role, he offers fixed and indexed annuities as well as traditional life insurance. OSAIC Wealth, Inc. serves a diverse client base including individual and high-net-worth investors, pension plans, corporations, and charitable organizations. The firm provides integrated brokerage and advisory services, utilizing a variety of asset-allocation tools and investment platforms to manage portfolios across multiple asset classes.

Daschel Grammer is a CFP® professional with seven years of industry experience, currently affiliated with Raymond James Financial in San Ramon, CA. He has held positions at firms including Summit Financial Group and Securian Financial Services Inc. Grammer serves as an independent contractor at Summit Financial Group through Raymond James. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individual, institutional, and charitable clients. The firm emphasizes tailored, non-discretionary planning and analytical tools to support client goals and maintains specialized offerings such as municipal advisory services and SIMPLE IRA Employer Advisory programs.

Andy Hawkey is a financial advisor with Osaic who holds the CFP® designation and has 35 years of industry experience. He has been with Osaic since 2002 and has also worked at Pim Financial Services, Inc. since 1990. Outside of advisory work, he is licensed as a life insurance agent and collaborates with third-party specialists on insurance and annuity strategies. Osaic Wealth, Inc. serves a diverse range of retail and institutional clients through a network of affiliated advisors and offers integrated brokerage, investment advisory, and financial planning services. The firm employs asset-allocation tools, risk-tolerance assessments, and automated rebalancing to construct portfolios that include various asset classes and supports both discretionary and non-discretionary account management.

David Liebowitz is a financial advisor with UBS Financial Services in Danville, CA, holding a Series 63 designation and bringing 33 years of industry experience. He has worked at Bank of America and Merrill since 2010. Outside of his advisory role, he owns a vacation condo at Seascape Resort. UBS Financial Services serves individual, corporate, and institutional clients through brokerage and investment advisory services, including financial planning and portfolio management. The firm combines institutional trading capabilities with wealth management and offers a broad range of products and services supported by proprietary research and trading platforms.

Munish Kaila is a Financial Advisor at Merrill Lynch Wealth Management. With over 20 years of experience in the financial services industry, he specializes in providing clients comprehensive advice focused on retirement planning, college education planning, philanthropic planning, portfolio management, small business strategies, and tax minimization. Munish works closely with clients and their families to help them achieve their specific financial goals and develop sound financial plans. He holds a Bachelor's Degree from the University of New Hampshire and is a Personal Investment Advisor (PIA). Munish’s approach centers on delivering a positive client experience and effectively addressing client needs. Outside of work, he enjoys basketball, golfing, hiking, and spending time with his family.

Kelsey Wheaton is the Vice President and Branch Leader at Fidelity Investments, overseeing the Dublin branch. In this role, she leads a team of Financial Professionals to provide client services and support their professional development. Kelsey has been with Fidelity Investments since 2015, progressing through various roles including Financial Representative, Relationship Manager, Senior Relationship Manager, Financial Consultant, and Assistant Branch Leader before her current position. Prior to Fidelity, she worked as a Flagship Client Service Associate at The Vanguard Group. She holds a California Insurance License.

Francesco Jones is a financial advisor at Merrill with 14 years of experience at the firm and a total of 10 years in the industry. He holds a Series 66 designation and has worked at Bank of America, N.A. since 2016. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary strategies from internal Chief Investment Office teams and third-party style managers, serving individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.

Mc Rae Grace is a financial advisor at Charles Schwab with a Series 66 designation and two years of industry experience. Prior to joining Charles Schwab, Grace worked at Equitable Advisors for two years and has a varied background including roles outside of finance. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services, combining non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts.

Kimberly Damiani is a Certified Financial Planner® with 14 years of industry experience, currently serving as a financial advisor at Raymond James Financial Services Advisors, Inc. She has worked at Raymond James since 2023 and previously held roles at Summit Financial Group and Securian Financial Services. Damiani serves on the board and investment committee of the Three Valleys Community Foundation, contributing to the foundation’s investment oversight. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base including individuals, high-net-worth clients, and institutional investors. The firm offers non-discretionary planning tailored to client goals, supported by analytical tools and a range of advisory programs.

Tracy Parker is a financial advisor at Merrill with 29 years of industry experience. She has held her position at Merrill since 1996 and holds Series 63 and Series 65 credentials. Outside of her advisory role, she manages a family-run LLC that holds cellular site properties. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm serves individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations, offering model-based and discretionary investment strategies.

Matthew Tekeste is a financial advisor at Edward Jones with seven years of industry experience. He holds a Series 66 designation and has been with Edward Jones since 2018. Prior to joining the firm, he worked at California State University Channel Islands and Blenders in the Grass. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients. The firm manages approximately $1.01 trillion in assets under management through a nationwide network of over 23,700 financial advisors and offers a range of advisory programs and investment solutions under a fiduciary standard.

Richard Scarpitti is a financial advisor with Charles Schwab, holding a Series 66 designation and 19 years of industry experience. His prior roles include positions at TD Ameritrade Investment Management, Scottrade, Inc., and Commonwealth Financial Network. He is currently based in Pleasanton, CA. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary investment options. The firm combines advisory, brokerage, custody, and cash-sweep services within an integrated operational structure.

Alan Torrey is a financial advisor at Ameriprise with 31 years of industry experience. He holds Series 63 and Series 65 designations and has been with Ameriprise since 2008. Torrey operates an S-Corp for managing his franchise expenses. Ameriprise provides retirement-income planning services primarily for clients with significant investable assets, combining research, modeling, and tax-efficient strategies to deliver tailored recommendations through a centralized consulting team.

Lindsay Abrams is a financial advisor at Morgan Stanley with a Series 66 credential and two years of industry experience. Prior to joining Morgan Stanley, she held roles at Blue Orange Games and worked as a full-time college student at Saint Mary's College of California. Morgan Stanley Wealth Management serves both individual and institutional clients, offering tailored financial planning and managing approximately $2.74 trillion in client assets through a range of advisory programs.

Haiwen Ye is a financial advisor at Merrill with seven years of industry experience and holds a Series 66 designation. Ye’s career includes roles at Bank of America, N.A., Merrill, and Citigroup. Merrill, together with its affiliate Managed Account Advisors LLC, provides managed account services to Bank of America fiduciary clients through the Select Portfolio Solutions Program. The firm offers model-based and discretionary investment strategies for individuals, high-net-worth clients, pension and profit-sharing plans, corporations, and charitable organizations.